Most office workers and entrepreneurs are looking to improve their focus and productivity. There are plenty of tools and resources available for purchase at just about any bookstore. But buying several books about money management and self improvement can seem a little counterintuitive at times. There's some good news. No need to spend your hard-earned cash on books you'll probably only read once. Just visit your local library.


Public libraries tends to get a bad rap, but they are full of excellent resources. In big cities, some library systems will even pay for online learning subscriptions like Lynda.com. Many offer research database access, job seeking resources, tax advice, and even language learning programs. Depending on your local library, you could have hundreds of different resources at your fingertips free of charge. Once you have a library card, you probably won't even need to go to your local branch again. You can access tons of resources online that will help you on your path to self improvement.

But more obviously, libraries have books. And your local library probably already has an extensive non-fiction and self improvement collection. Most likely the books you want to read are waiting for you to check them out. However, if your library doesn't have a book that you want, you can probably request it be purchased. Still, most libraries are on top of new releases that will be popular with readers and their library members.

So instead of paying $20 or $40 for a new money management book, you can read it and absorb all of the tips and tricks you need without paying an extra dime. And nowadays, most libraries offer ebooks and audiobooks. These digital items can be checked out without leaving your house and are automatically returned when the rental period runs out. No need to stress over picking up your items and returning them on time — if that's a barrier to using the library for you.

Everyone wants to improve their lives and habits, but spending money to learn more on how to isn't always practical. Why buy brand new books when you can borrow them for free? Local libraries are very underused by the people who pay to keep them running. If you pay any portion of sales or property tax in your city, you're probably already helping to fund your local library. Why not take advantage of it?

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Airbnb is a great option while traveling, but you should protect yourself from damage charges from unscrupulous hosts.

Airbnb offers an affordable option for people looking to be more comfortable as they travel.

However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.

And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.

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What Are NFTs?

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If you're keeping tabs on the art and tech worlds, you've probably been hearing whispers about "NFTs" for the past month. Just over the past week they've entered the mainstream lexicon.

Twitter founder Jack Dorsey made the news for selling his first ever tweet. The app has been teasing paid subscription models and newsletter-like features, but tweets for sale is "the next frontier."

The 2006 tweet went up for auction as an NFT, and the current bid is $2.5 Million. But what does it mean to own that? Why would anyone want to? And what even is an NFT?

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Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.

The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.

Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.

Stick To a Specific Strategy or Niche

Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.

First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.

Be Vigilant About Viable Financing Options

While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.

Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.

Master the Art of Finding Good Deals

There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.